On-Us debits

EFT on-us debits occur when a payee with an account held at a certain bank debits a payer's account held at the same bank.

Note

On-us (same-day) credits can be processed directly between the bank's internal systems without making use of Electrum's processing functionality. This is because credits can always be processed immediately without waiting for an end-of-day processing window. However, on-us debits should be processed via Electrum's payments engine, as Electrum's can hold onto all debits (both on-us debits and inbound off-us debits received from BankservAfrica), for processing in the debits processing window after all credits have been finalised.

The transaction does not proceed through BankservAfrica as the accounts are held at the same bank. However, different sectors of the bank may be involved at different points in the process.

Successful On-Us Debits

on-us debit success

You send Electrum an outboundDirectDebit request to the outbound/direct-debit endpoint (DirectDebit schema; see below.)

DirectDebit Schema

schemastringrequired

Discriminator

messageIdentifiersobject(MessageIdentifiers)required

Holds a point-to-point unique message identification string as well as a message's creation date time.

messageIdentifiers.messageIdentificationstring<= 35 charactersrequired

A reference used to unambiguously identify the message between the sending and receiving party. Take note that this uniquely identifies a single message in a potentially multi-message exchange to complete a payment.

messageIdentifiers.creationDateTimestring(date-time)required

The date and time at which the message was created, in senders local timezone or UTC. The date must be formatted as defined by date-time in RFC3339

supplementaryDataobject(SupplementaryData)

A list of key-value pairs to support adding any supplementary/additional data to an Electrum Regulated Payments API message.

transactionIdentifiersobject(TransactionIdentifiers)required

Holds a series of identifiers to identify the transaction or an individual message that is part of a transaction.

transactionIdentifiers.endToEndIdentificationstring<= 35 charactersrequired

Unique identification, as assigned by the initiating party, to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain. Note: this is distinct from the UETR.

transactionIdentifiers.transactionIdentificationstring<= 35 characters

Unique identification, as assigned by the first instructing agent, to unambiguously identify the transaction that is passed on, unchanged, throughout the entire interbank chain. Usage: The transaction identification can be used for reconciliation, tracking or to link tasks relating to the transaction on the interbank level. Usage: The instructing agent has to make sure that the transaction identification is unique for a pre- agreed period.

transactionIdentifiers.uetrstring(UUID)required

Universally unique identifier to provide an end-to-end reference of a payment transaction. This identifier remains the same for all messages related to the same transaction.

paymentSchemeobject(CreditTransferPaymentScheme)required

Designates which scheme a credit transfer is associated with and describes scheme-specific information for the credit transfer.

paymentScheme.schemastring(PaymentSchemeName)required

Identifies the scheme used for the payment

ZA_RTC: South African Realtime Clearing scheme
ZA_RPP: South African Realtime Payments Platform scheme.
ZA_EFT: South African Electronic Funds Transfer scheme.

Enum"ZA_RTC""ZA_RPP""ZA_EFT"

Discriminator

paymentScheme.schemeDataobject(ZaRtcCreditTransferPaymentSchemeData)required

paymentScheme.schemeData.userReferencestring<= 20 characters^[\dA-z ]*$

An explanation of the transaction, e.g. to be printed on the account holder's statement.

paymentScheme.schemeData.originatorEchoDatastring<= 20 characters^[\dA-z ]*$

Echo data reserved for originator use. Must remain unaltered by the beneficiary.

paymentScheme.schemeData.businessReferencestring<= 10 characters^\d{2}[\dA-z]{8}$required

Business reference number. The first two numeric digits identify the bank and the last 8 characters contain a unique alphanumeric value generated by the originating bank (unique for the transaction).

amountsobject(TransactionAmounts)required

amounts.bankSettlementAmountobject(Amount)required

amounts.bankSettlementAmount.valuenumber(double)>= 0required

The payment amount in the denomination of the indicated currency, in the format '<major units>.<minor units> with the number of minor units (fractional digits) compliant with the number of decimal places published in ISO 4217.

Currency Code	Example	Valid	Notes
USD	10.0	✓	Represents 10 USD and no cents.
USD	10.00	✓
USD	10.001	✗	US dollar does not support three decimal places.
JPY	10.0	✓	Represents 10 Japanese Yen.
JPY	10.1	✗	Japanese Yen does not support decimal places.

amounts.bankSettlementAmount.currencystring^[A-Z]{3}$required

A valid, active currency code as defined in ISO 4217 indicating the currency of the amount.

amounts.instructedAmountobject(Amount)

paymentTypeInformationobject(PaymentTypeInformation)

settlementDatestring(date)

Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.

creditorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

creditor.legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

creditor.knownAsNamestring[ 1 .. 140 ] characters

The name by which this party is commonly known in day to day use. For example, a shortening of their legal name or a nickname that they commonly use. This is "non-official". However, it is acceptable for this field to be set to the same as legalName.

creditor.addressobject(PostalAddress)

creditor.contactDetailsobject(ContactDetails)

creditor.countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

creditor.identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

creditorAccountobject(PaymentAccount)required

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

creditorAccount.identificationobject(BankingIdentifier)

creditorAccount.proxyobject(NonBankingIdentifier)

creditorAccount.typeobject(AccountType)

creditorAccount.namestring<= 70 characters

Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account.

creditorAccount.currencystring^[A-Z]{3}$

Identification of the currency in which the account is held.

creditorAgentobject(InstitutionIdentification)required

creditorAgent.bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

A code allocated to a financial or non-financial institution by the ISO 9362 Registration Authority as described in ISO 9362 Banking - Banking telecommunication messages - Business identifier code (BIC)

creditorAgent.leistring[A-Z0-9]{18,18}[0-9]{2,2}

An organisation identified by a code allocated to a party as described in ISO 17442 Financial Services - Legal Entity Identifier (LEI).

creditorAgent.companyRegistrationstring<= 35 characters

A unique identifier assigned to a company or organisation by a duly appointed authority within a country.

creditorAgent.memberIdstring<= 35 characters

Identification of a member of a clearing system.

creditorAgent.namestring<= 140 characters

Name by which an institution is known and which is usually used to identify that institution

creditorAgent.branchobject(BranchIdentification)

creditorAgent.additionalIdentificationsArray of objects(AccountIdentification)

debtorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

debtor.legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

debtor.knownAsNamestring[ 1 .. 140 ] characters

debtor.addressobject(PostalAddress)

debtor.contactDetailsobject(ContactDetails)

debtor.countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

debtor.identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

debtorAccountobject(PaymentAccount)

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

debtorAgentobject(InstitutionIdentification)required

debtorAgent.bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

debtorAgent.leistring[A-Z0-9]{18,18}[0-9]{2,2}

An organisation identified by a code allocated to a party as described in ISO 17442 Financial Services - Legal Entity Identifier (LEI).

debtorAgent.companyRegistrationstring<= 35 characters

A unique identifier assigned to a company or organisation by a duly appointed authority within a country.

debtorAgent.memberIdstring<= 35 characters

Identification of a member of a clearing system.

debtorAgent.namestring<= 140 characters

Name by which an institution is known and which is usually used to identify that institution

debtorAgent.branchobject(BranchIdentification)

debtorAgent.additionalIdentificationsArray of objects(AccountIdentification)

instructedAgentobject(InstitutionIdentification)

instructingAgentobject(InstitutionIdentification)

instructionForCreditorAgentArray of objects(Instruction)>= 0 items

Further information related to the processing of the payment instruction, provided by the initiating party, and intended for the creditor agent.

intermediaryAgentsArray of objects(InstitutionIdentification)<= 3 items

Agents between the debtor's agent and the creditor's agent. Usage: If more than one intermediary agent is present, then IntermediaryAgent1 identifies the agent between the DebtorAgent and the IntermediaryAgent2

previousInstructingAgentsArray of objects(InstitutionIdentification)<= 3 items

Agent(s) between the debtor's agent and the instructing agent.

purposeobject(PurposeType)

Specifies the underlying reason for the payment transaction

remittanceInformationobject(RemittanceInformation)

taxobject(TaxInformation)

Electrum returns a positive response with HTTP status code 202.
Electrum validates the account information using the CDV specification.
After Electrum has successfully validated and processed the transaction within Electrum, Electrum sends an outboundDirectDebitResponse message to you via the /outbound/direct-debit-response endpoint (PaymentStatusReport schema).

PaymentStatusReport Schema

schemastringrequired

Discriminator

messageIdentifiersobject(MessageIdentifiers)required

Holds a point-to-point unique message identification string as well as a message's creation date time.

messageIdentifiers.messageIdentificationstring<= 35 charactersrequired

messageIdentifiers.creationDateTimestring(date-time)required

The date and time at which the message was created, in senders local timezone or UTC. The date must be formatted as defined by date-time in RFC3339

supplementaryDataobject(SupplementaryData)

A list of key-value pairs to support adding any supplementary/additional data to an Electrum Regulated Payments API message.

transactionIdentifiersobject(TransactionIdentifiers)required

Holds a series of identifiers to identify the transaction or an individual message that is part of a transaction.

transactionIdentifiers.endToEndIdentificationstring<= 35 charactersrequired

transactionIdentifiers.transactionIdentificationstring<= 35 characters

transactionIdentifiers.uetrstring(UUID)required

Universally unique identifier to provide an end-to-end reference of a payment transaction. This identifier remains the same for all messages related to the same transaction.

paymentSchemeobject(CreditTransferPaymentScheme)required

Designates which scheme a credit transfer is associated with and describes scheme-specific information for the credit transfer.

paymentScheme.schemastring(PaymentSchemeName)required

Identifies the scheme used for the payment

ZA_RTC: South African Realtime Clearing scheme
ZA_RPP: South African Realtime Payments Platform scheme.
ZA_EFT: South African Electronic Funds Transfer scheme.

Enum"ZA_RTC""ZA_RPP""ZA_EFT"

Discriminator

paymentScheme.schemeDataobject(ZaRtcCreditTransferPaymentSchemeData)required

paymentScheme.schemeData.userReferencestring<= 20 characters^[\dA-z ]*$

An explanation of the transaction, e.g. to be printed on the account holder's statement.

paymentScheme.schemeData.originatorEchoDatastring<= 20 characters^[\dA-z ]*$

Echo data reserved for originator use. Must remain unaltered by the beneficiary.

paymentScheme.schemeData.businessReferencestring<= 10 characters^\d{2}[\dA-z]{8}$required

Business reference number. The first two numeric digits identify the bank and the last 8 characters contain a unique alphanumeric value generated by the originating bank (unique for the transaction).

amountsobject(TransactionAmounts)required

amounts.bankSettlementAmountobject(Amount)required

amounts.bankSettlementAmount.valuenumber(double)>= 0required

Currency Code	Example	Valid	Notes
USD	10.0	✓	Represents 10 USD and no cents.
USD	10.00	✓
USD	10.001	✗	US dollar does not support three decimal places.
JPY	10.0	✓	Represents 10 Japanese Yen.
JPY	10.1	✗	Japanese Yen does not support decimal places.

amounts.bankSettlementAmount.currencystring^[A-Z]{3}$required

A valid, active currency code as defined in ISO 4217 indicating the currency of the amount.

amounts.instructedAmountobject(Amount)

paymentTypeInformationobject(PaymentTypeInformation)

settlementDatestring(date)

Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.

creditorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

creditor.legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

creditor.knownAsNamestring[ 1 .. 140 ] characters

creditor.addressobject(PostalAddress)

creditor.contactDetailsobject(ContactDetails)

creditor.countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

creditor.identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

creditorAccountobject(PaymentAccount)required

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

creditorAccount.identificationobject(BankingIdentifier)

creditorAccount.proxyobject(NonBankingIdentifier)

creditorAccount.typeobject(AccountType)

creditorAccount.namestring<= 70 characters

Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account.

creditorAccount.currencystring^[A-Z]{3}$

Identification of the currency in which the account is held.

creditorAgentobject(InstitutionIdentification)required

creditorAgent.bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

creditorAgent.leistring[A-Z0-9]{18,18}[0-9]{2,2}

An organisation identified by a code allocated to a party as described in ISO 17442 Financial Services - Legal Entity Identifier (LEI).

creditorAgent.companyRegistrationstring<= 35 characters

A unique identifier assigned to a company or organisation by a duly appointed authority within a country.

creditorAgent.memberIdstring<= 35 characters

Identification of a member of a clearing system.

creditorAgent.namestring<= 140 characters

Name by which an institution is known and which is usually used to identify that institution

creditorAgent.branchobject(BranchIdentification)

creditorAgent.additionalIdentificationsArray of objects(AccountIdentification)

debtorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

debtor.legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

debtor.knownAsNamestring[ 1 .. 140 ] characters

debtor.addressobject(PostalAddress)

debtor.contactDetailsobject(ContactDetails)

debtor.countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

debtor.identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

debtorAccountobject(PaymentAccount)

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

debtorAgentobject(InstitutionIdentification)required

debtorAgent.bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

debtorAgent.leistring[A-Z0-9]{18,18}[0-9]{2,2}

An organisation identified by a code allocated to a party as described in ISO 17442 Financial Services - Legal Entity Identifier (LEI).

debtorAgent.companyRegistrationstring<= 35 characters

A unique identifier assigned to a company or organisation by a duly appointed authority within a country.

debtorAgent.memberIdstring<= 35 characters

Identification of a member of a clearing system.

debtorAgent.namestring<= 140 characters

Name by which an institution is known and which is usually used to identify that institution

debtorAgent.branchobject(BranchIdentification)

debtorAgent.additionalIdentificationsArray of objects(AccountIdentification)

instructedAgentobject(InstitutionIdentification)

instructingAgentobject(InstitutionIdentification)

instructionForCreditorAgentArray of objects(Instruction)>= 0 items

Further information related to the processing of the payment instruction, provided by the initiating party, and intended for the creditor agent.

intermediaryAgentsArray of objects(InstitutionIdentification)<= 3 items

previousInstructingAgentsArray of objects(InstitutionIdentification)<= 3 items

Agent(s) between the debtor's agent and the instructing agent.

purposeobject(PurposeType)

Specifies the underlying reason for the payment transaction

remittanceInformationobject(RemittanceInformation)

taxobject(TaxInformation)

Electrum will send the message repeatedly via a store-and-forward queue until you acknowledge receipt.

You respond with an HTTP status code 202.
Electrum stores the transaction in a database until the next processing window is open so that the transaction can be processed with the other debit transactions.
The debit transactions are placed in a queue to be processed.
When the transaction reaches the head of the processing queue, Electrum sends an inboundDirectDebit [request] (/openapi/elpapi-partner/operation/inboundDirectDebit/) to you via the inbound/direct-debit endpoint (DirectDebit schema).

DirectDebit Schema

You respond with an HTTP status code 202.
After you have successfully processed the transaction (debited the relevant account), you send Electrum an inboundDirectDebitResponse message to the /inbound/direct-debit-response endpoint (PaymentStatusReport schema).

PaymentStatusReport Schema

schemastringrequired

Discriminator

messageIdentifiersobject(MessageIdentifiers)required

Holds a point-to-point unique message identification string as well as a message's creation date time.

messageIdentifiers.messageIdentificationstring<= 35 charactersrequired

messageIdentifiers.creationDateTimestring(date-time)required

The date and time at which the message was created, in senders local timezone or UTC. The date must be formatted as defined by date-time in RFC3339

supplementaryDataobject(SupplementaryData)

A list of key-value pairs to support adding any supplementary/additional data to an Electrum Regulated Payments API message.

transactionIdentifiersobject(TransactionIdentifiers)required

Holds a series of identifiers to identify the transaction or an individual message that is part of a transaction.

transactionIdentifiers.endToEndIdentificationstring<= 35 charactersrequired

transactionIdentifiers.transactionIdentificationstring<= 35 characters

transactionIdentifiers.uetrstring(UUID)required

Universally unique identifier to provide an end-to-end reference of a payment transaction. This identifier remains the same for all messages related to the same transaction.

paymentSchemeobject(CreditTransferPaymentScheme)required

Designates which scheme a credit transfer is associated with and describes scheme-specific information for the credit transfer.

paymentScheme.schemastring(PaymentSchemeName)required

Identifies the scheme used for the payment

ZA_RTC: South African Realtime Clearing scheme
ZA_RPP: South African Realtime Payments Platform scheme.
ZA_EFT: South African Electronic Funds Transfer scheme.

Enum"ZA_RTC""ZA_RPP""ZA_EFT"

Discriminator

paymentScheme.schemeDataobject(ZaRtcCreditTransferPaymentSchemeData)required

paymentScheme.schemeData.userReferencestring<= 20 characters^[\dA-z ]*$

An explanation of the transaction, e.g. to be printed on the account holder's statement.

paymentScheme.schemeData.originatorEchoDatastring<= 20 characters^[\dA-z ]*$

Echo data reserved for originator use. Must remain unaltered by the beneficiary.

paymentScheme.schemeData.businessReferencestring<= 10 characters^\d{2}[\dA-z]{8}$required

Business reference number. The first two numeric digits identify the bank and the last 8 characters contain a unique alphanumeric value generated by the originating bank (unique for the transaction).

amountsobject(TransactionAmounts)required

amounts.bankSettlementAmountobject(Amount)required

amounts.bankSettlementAmount.valuenumber(double)>= 0required

Currency Code	Example	Valid	Notes
USD	10.0	✓	Represents 10 USD and no cents.
USD	10.00	✓
USD	10.001	✗	US dollar does not support three decimal places.
JPY	10.0	✓	Represents 10 Japanese Yen.
JPY	10.1	✗	Japanese Yen does not support decimal places.

amounts.bankSettlementAmount.currencystring^[A-Z]{3}$required

A valid, active currency code as defined in ISO 4217 indicating the currency of the amount.

amounts.instructedAmountobject(Amount)

paymentTypeInformationobject(PaymentTypeInformation)

settlementDatestring(date)

Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.

creditorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

creditor.legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

creditor.knownAsNamestring[ 1 .. 140 ] characters

creditor.addressobject(PostalAddress)

creditor.contactDetailsobject(ContactDetails)

creditor.countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

creditor.identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

creditorAccountobject(PaymentAccount)required

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

creditorAccount.identificationobject(BankingIdentifier)

creditorAccount.proxyobject(NonBankingIdentifier)

creditorAccount.typeobject(AccountType)

creditorAccount.namestring<= 70 characters

Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account.

creditorAccount.currencystring^[A-Z]{3}$

Identification of the currency in which the account is held.

creditorAgentobject(InstitutionIdentification)required

creditorAgent.bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

creditorAgent.leistring[A-Z0-9]{18,18}[0-9]{2,2}

An organisation identified by a code allocated to a party as described in ISO 17442 Financial Services - Legal Entity Identifier (LEI).

creditorAgent.companyRegistrationstring<= 35 characters

A unique identifier assigned to a company or organisation by a duly appointed authority within a country.

creditorAgent.memberIdstring<= 35 characters

Identification of a member of a clearing system.

creditorAgent.namestring<= 140 characters

Name by which an institution is known and which is usually used to identify that institution

creditorAgent.branchobject(BranchIdentification)

creditorAgent.additionalIdentificationsArray of objects(AccountIdentification)

debtorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

debtor.legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

debtor.knownAsNamestring[ 1 .. 140 ] characters

debtor.addressobject(PostalAddress)

debtor.contactDetailsobject(ContactDetails)

debtor.countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

debtor.identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

debtorAccountobject(PaymentAccount)

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

debtorAgentobject(InstitutionIdentification)required

debtorAgent.bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

debtorAgent.leistring[A-Z0-9]{18,18}[0-9]{2,2}

An organisation identified by a code allocated to a party as described in ISO 17442 Financial Services - Legal Entity Identifier (LEI).

debtorAgent.companyRegistrationstring<= 35 characters

A unique identifier assigned to a company or organisation by a duly appointed authority within a country.

debtorAgent.memberIdstring<= 35 characters

Identification of a member of a clearing system.

debtorAgent.namestring<= 140 characters

Name by which an institution is known and which is usually used to identify that institution

debtorAgent.branchobject(BranchIdentification)

debtorAgent.additionalIdentificationsArray of objects(AccountIdentification)

instructedAgentobject(InstitutionIdentification)

instructingAgentobject(InstitutionIdentification)

instructionForCreditorAgentArray of objects(Instruction)>= 0 items

Further information related to the processing of the payment instruction, provided by the initiating party, and intended for the creditor agent.

intermediaryAgentsArray of objects(InstitutionIdentification)<= 3 items

previousInstructingAgentsArray of objects(InstitutionIdentification)<= 3 items

Agent(s) between the debtor's agent and the instructing agent.

purposeobject(PurposeType)

Specifies the underlying reason for the payment transaction

remittanceInformationobject(RemittanceInformation)

taxobject(TaxInformation)

Electrum returns an HTTP status code 202 to acknowledge receipt of the PaymentStatusReport.

Error Handling

No HTTP Response from Electrum (to Payment Initiation Side)

eft on-us debit no http from Electrum

If you do not receive an acknowledgement or negative acknowledgement from Electrum in response to the outbound DirectDebit message then you can retry the transaction up to a set number of times before considering the transaction failed. The transaction will be considered a reconciliation exception.

Negative Acknowledgement from Electrum (to Payment Initiation Side)

eft on-us debit nack from Electrum

If you receive a negative acknowledgement (NACK, HTTP 5xx or retryable HTTP 4xx) from Electrum in response to the outbound DirectDebit message, then you can retry the transaction up to a set number of times before considering the transaction failed. The transaction will be considered a reconciliation exception.

Note

You can retry the message for all HTTP 5xx and 4xx NACKs that are considered transient (i.e., recoverable). For HTTP 4xx NACKs that are not recoverable, the error will be resolved manually.

No PaymentStatusReport from Electrum (to Payment Initiation Side)

eft on-us debit no psr from Electrum

If you do not receive a PaymentStatusReport message from Electrum before the reconciliation window closes, this transaction will be considered a reconciliation exception.

No HTTP Response from the Bank (Payment Initiation Side)

eft on-us debits no http from bank initiating side

If Electrum does not receive an acknowledgement or negative acknowledgement from you in response to a PaymentStatusReport message before the reconciliation window closes then this transaction will be considered a reconciliation exception.

Error with Account Validation

eft on-us debits account validation error

If you receive a PaymentStatusReport containing the status code of RJCT from Electrum, then you can retry the transaction after correcting any discrepancies (e.g., incorrect account details or transaction limits exceeded) or abort the transaction.

No HTTP Response from Bank (Payment Actioning Side)

eft on-us debits no http from bank actioning

If Electrum does not receive an acknowledgement or negative acknowledgement in response to an inbound DirectDebit message before the reconciliation window closes, then the transaction will be considered a reconciliation exception.

Negative Acknowledgement from Bank (Payment Actioning Side)

eft on-us debits nack from bank actioning

If Electrum receives a negative acknowledgement (NACK, HTTP 5xx or retryable HTTP 4xx) in response to an inbound DirectDebit message then Electrum will continue to send the message via a SAF queue. If Electrum does not receive an acknowledgement before the reconciliation window closes, this transaction will be considered a reconciliation exception.

No PaymentStatusReport from Bank (Payment Actioning Side)

eft on-us debits no psr from bank actioning

If Electrum does not receive a PaymentStatusReport message from you before the reconciliation window closes, this transaction will be considered a reconciliation exception.

No HTTP Response from Electrum to Bank (Payment Actioning Side)

eft on-us debits no http to bank actioning

If you do not receive an acknowledgement or negative acknowledgement from Electrum in response to a PaymentStatusReport, then you can retry the transaction up to a set number of times before considering the transaction failed. The transaction will be considered a reconciliation exception.

On-Us debits

Successful On-Us Debits

Error Handling

No HTTP Response from Electrum (to Payment Initiation Side)

Negative Acknowledgement from Electrum (to Payment Initiation Side)

No PaymentStatusReport from Electrum (to Payment Initiation Side)

No HTTP Response from the Bank (Payment Initiation Side)

Error with Account Validation

No HTTP Response from Bank (Payment Actioning Side)

Negative Acknowledgement from Bank (Payment Actioning Side)

No PaymentStatusReport from Bank (Payment Actioning Side)

No HTTP Response from Electrum to Bank (Payment Actioning Side)

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